Lay-By Policy
Lay-Bys are offered by House of Riches – please see below for the full terms and conditions.

The lay-by period is for a maximum of twelve weeks.

Payments are to be made fortnightly

A deposit must be a minimum of 20% of the total purchase value.

The cancellation charge on a lay-by is 20% of the total purchase price.

There are no returns or exchanges on lay-by items with the exception of faulty goods or in accordance with your legislated rights.

The customer or the store has the right to cancel a lay-by.

The cancellation charge on a handmade customer bespoke item will be to recover the wholesale and manufactory charges.

If the customer cancels the lay-by within three weeks they have the right to a refund of the payments made, less the cancellation charge.

If the store cancels the lay-by within three weeks the customer will be given seven days notice and will be entitled to a full refund of all payments made.

Customers will be contacted for all lay-bys that are not completed by the due date. After the due date the lay-by will be cancelled and the customer will be given a refund for their payments made, less the cancellation charge.

The cancellation charge is applied to compensate the retailer’s selling, storage and administration costs.

Any items placed on lay-by cannot be altered until the lay-by has been paid in full.

No items can be taken by the customer until the entire lay-by has been paid in full.